Debt collection -- Written notification about debt -- Complaint #19161267
Debt Collector Fails to Provide Verification Information
Complaint Overview
Complaint ID: 19161267
Company: Nelson And Kennard, LLP
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Hawaii
ZIP Code: 96816
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The debt collector may have violated the Fair Debt Collection Practices Act (FDCPA) by not providing adequate information for the consumer to verify the debt, potentially leading to legal challenges.
Consumer Sentiment: negative
Topics: Debt collection, Credit card debt, Debt validation
AI Analysis
CFPB complaint 19161267 was filed against Nelson and Kennard, LLP regarding Debt collection (Credit card debt), specifically about "Written notification about debt". A consumer filed a complaint regarding a debt collection agency's failure to provide sufficient written information to verify a credit card debt. The complaint was received on January 31, 2026 from Hawaii. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should always request written validation of any debt they are unsure about and carefully review the information provided by the debt collector.
Legal Context & Consumer Protection Laws
The FDCPA requires debt collectors to provide specific information to consumers about debts they are attempting to collect, including the amount and the name of the creditor.
Regulatory Insight
Regulators may investigate if a pattern of non-compliance with debt verification requirements is observed from this debt collection agency.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Hawaii, consumers have rights under state law in addition to federal laws like the FDCPA regarding debt collection practices.
Industry Comparison
This issue is common in the debt collection industry, where disputes over debt verification are frequent.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161267 about?
CFPB complaint 19161267 involves Debt collection (Credit card debt). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive enough information to verify debt". This complaint was filed against Nelson and Kennard, LLP on January 31, 2026.
Which company is complaint 19161267 filed against?
Complaint 19161267 was filed against Nelson and Kennard, LLP. You can view all complaints against this company on their profile page at /company/nelson-and-kennard-llp.
What was the company's response to complaint 19161267?
Nelson and Kennard, LLP responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161267 filed?
Complaint 19161267 was received by the CFPB on January 31, 2026. It was sent to Nelson and Kennard, LLP on February 1, 2026.
What state was complaint 19161267 filed from?
Complaint 19161267 was filed from Hawaii. You can view all complaints from this state at /state/HI.
Was the consumer satisfied with the resolution of complaint 19161267?
Dispute information is not available for complaint 19161267.
What product category is complaint 19161267 about?
Complaint 19161267 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 19161267 submitted?
Complaint 19161267 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161267?
The FDCPA requires debt collectors to provide specific information to consumers about debts they are attempting to collect, including the amount and the name of the creditor. This relates to a Debt collection complaint against Nelson and Kennard, LLP involving "Written notification about debt".
How likely is complaint 19161267 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161267?
This complaint is rated as medium risk. The debt collector may have violated the Fair Debt Collection Practices Act (FDCPA) by not providing adequate information for the consumer to verify the debt, potentially leading to legal challenges.
What regulatory actions apply to complaint 19161267?
Regulators may investigate if a pattern of non-compliance with debt verification requirements is observed from this debt collection agency. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19161267?
Consumers should always request written validation of any debt they are unsure about and carefully review the information provided by the debt collector.
Are there state-specific protections for complaint 19161267?
In Hawaii, consumers have rights under state law in addition to federal laws like the FDCPA regarding debt collection practices. This complaint was filed from Hawaii.
How does complaint 19161267 compare to industry norms?
This issue is common in the debt collection industry, where disputes over debt verification are frequent.
What specific information must a debt collector provide to validate a debt?
Under the FDCPA, a debt collector must provide the amount of the debt, the name of the creditor to whom the debt is owed, and inform the consumer of their right to dispute the debt within 30 days.
What actions can a consumer take if a debt collector fails to provide adequate verification?
A consumer can dispute the debt in writing, cease communication with the collector, and potentially file a complaint with the CFPB or relevant state agencies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.